The sun is out and it’s time to dust off the bike and feel the wind in your hair again (if you still have any left). Before you take the old hog in for it’s summer tune up, look over your motorcycle insurance plan coverage and make sure you’ve got the necessary coverage to keep yourself, your motorcycle and other drivers safe.
Finding the right insurance policy for your motorcycle is important. Your policy should fit your bike, your lifestyle and your budget. Most states in the US require a minimum amount of liability coverage for motorcycles, but the other types of coverages can be optional. It’s important to ask you insurance agent which coverages are optional and which are required to make sure you are legal.
When you’re shopping for the right motorcycle insurance for you, it’s important to understand what you’re paying for.
Collision coverage insurance covers the damages to your motorcycle if you were to be involved in an accident. After you pay your deductible, your insurance company will pay for the rest of the repairs.
Liability coverage insurance is what covers bodily injury and any property damage that you were responsible for in a motorcycle accident. This type of coverage doesn’t cover your motorcycle or yourself.
Comprehensive coverage insurance will cover the damages caused by things other than an collision. For example – vandalism, theft, or fire. You’ll have to pay your deductible before your insurance company picks up the rest of the bill.
You may be able to save money on your motorcycle insurance plan if you take certain safety courses. If you have more than one motorcycle you can also bundle those policies to save money. Keeping a clean driving record will also help keep your insurance premiums down.
Vern Fonk in Washington and Oregon specializes in motorcycle insurance for everyone! Our agents are experienced in finding the best and cheapest policies for all types of drivers. Call us today!